subject: What You Need to Know About Pennsylvania Car Insurance [print this page] What You Need to Know About Pennsylvania Car Insurance
Insurance is an integral part of human life as these days you can find a number of schemes that cover many things in life like traveling, life, property and even expensive accessories. If you own a car in Pennsylvania and you are wondering what will an insurance policy in the state cover, then you are in the right place, as we are going to go through a number of requirements that insurance firms in the state are required to follow.
But before, that we must familiarize ourselves with the system Pennsylvania uses when it comes to car insurance coverage in the state. The system used is called the Tort system from which you can either choose Full Tort compensation or the other one called Limited Tort. If you prefer the former, it will mean that what you can claim in terms of compensation is unrestricted unlike limited, which puts a number on how far you can go when it comes to claiming.
Having known the system of claiming compensation, a number of policies are available for a Pennsylvania car owner and some of them include the common one like Personal Injury Protection (PIP), which mainly caters for things like medical expenses. If you and your passengers are injured in a motor accident, the state law stipulates that you be paid a minimum of $5000 as PIP cover.
Another form of coverage that you can go for the Motorist Bodily Injury for yourself in case you are injured by uninsured or even an underinsured driver. This type of cover is not state law required in Pennsylvania but you can go for it as it may help you in such instances. The liability for this policy is anything between $15,000 and $30,000.
Another form is the one that covers damage of property; that is mainly the car itself. If you are involved in an accident, the first concern is your safety and that of passengers in the car or outside (pedestrians), and then you think of the car itself. When it comes to the car, you assess how damage it is and whether you need a new one or you can repair the one involved in an accident. Whichever the case, you can compensation of up to $5000 in Pennsylvania to get you going in your quest to get a new car.
As a resident of Pennsylvania, you can get a number of covers that specialize in auto insurance by going to the internet. Currently, there are several companies giving out quotes and at various prices. It is advisable that you do not rush in picking any cover but you should first do your small research on the available coverage and from the pick the one with the most competitive rates in the market.
From the many available, you can be able to get a nice deal that will guarantee you a stress free life if by any case you are involved in an auto accident. If you do not understand the various packages offered, you can inquire from your preferred insurance company, who will gladly share the knowledge with you making sure you understand what is offered and if it meets state laws on insurance.
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